Banner vs LendingClub

Banner and LendingClub are compared on this page to illuminate differences in business models, financial performance, and market context. The overview shows how each organisation approaches customers, growth, risk, and strategy in a neutral, accessible way. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

BANR

Metric

$2.19B

Market Cap

$2.30B

9.04%

Potential Profit

9.21%

Buy

Analyst Rating

Buy

Investment Analysis

Banner

BANR

Pros

Banner Corporation has demonstrated robust net interest income growth, rising from $135.68 million in Q3 2024 to $149.99 million in Q3 2025.
The company maintains a diversified loan portfolio, reducing exposure to any single sector or borrower type.
Banner offers a stable dividend yield of around 3.17%, supported by a solid balance sheet and consistent earnings.

Considerations

Banner's revenue declined by 1.41% in 2024 compared to the previous year, reflecting challenges in top-line growth.
Non-interest expenses remain elevated, which could pressure profitability if not managed effectively.
The stock has underperformed its peers over the past year, with a 16.7% decline, partly due to increased competition and regulatory pressures.

LendingClub

Pros

LendingClub operates a leading online lending marketplace, benefiting from strong digital adoption and scalable technology infrastructure.
The company has seen positive analyst sentiment, with several maintaining a Buy rating and raising price targets in recent months.
LendingClub's platform connects a large pool of borrowers and investors, creating network effects and recurring revenue streams.

Considerations

LendingClub's P/E ratio is relatively high at 39, suggesting the stock may be expensive relative to current earnings.
The business is exposed to consumer credit risk, which can fluctuate with economic cycles and impact loan performance.
The company faces intense competition from both traditional banks and fintech rivals, which could limit market share gains.

About The Companies

Banner (BANR)

Banner Corporation is the bank holding company for Banner Bank, a regional commercial bank headquartered in Washington state. Its core business involves providing a broad range of financial products and services to individuals, businesses, and public sector entities across its primary markets in Washington, Oregon, California, Idaho, and Utah. This includes traditional banking activities such as accepting deposits and originating various types of loans. The bank's lending portfolio is diverse, covering commercial business and real estate, agriculture, construction, and consumer loans. Additionally, Banner Corp participates in the secondary loan market by originating and selling residential mortgage loans. This dual focus allows it to serve its communities directly while also engaging with the wider financial markets. Investors may see it as a key player in the banking sector of the Western United States.

LendingClub (LC)

LendingClub Corporation (LC) operates an online lending marketplace that connects borrowers with investors and manages loan servicing. The company earns fees from loan origination, servicing and selling loans, plus interest income on retained loan portfolios. Investors should note LendingClub’s performance is sensitive to the credit cycle, underwriting outcomes and interest-rate environments; profitability can fluctuate as loan volumes, default rates and funding costs change. Competition comes from banks, fintech lenders and marketplace platforms, and regulatory or compliance changes can affect operations. With a market capitalisation around $1.9 billion, the stock may appeal to those watching fintech disruption in consumer credit, but it carries higher credit and macroeconomic exposure than many diversified financial firms. This summary is educational only; it is not personal investment advice. Values can rise or fall and past performance does not guarantee future returns. Consider your risk tolerance and do your own research or consult a qualified adviser before investing.

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